AmWINS – Program and MGA Partner Supporting Long-Term-Care and Senior-Care Facilities
Supporting Senior-Care Ecosystems Directly Through Dedicated Long-Term-Care Facilities Programs and Risk-Retention Solutions
AmWINS is a global specialty insurance distributor and program manager that develops dedicated insurance programs for long-term-care and senior-care facilities. Through Amwins Program Underwriters (APU) and Amwins Specialty Casualty Solutions, it offers comprehensive professional and general-liability coverage and a risk-retention-group (RRG) option aimed at skilled-nursing, assisted-living, independent-living, and continuing-care facilities. These programs respond directly to the challenging senior-care liability marketplace and the need for flexible, specialized capacity.
Who Is AmWINS in Healthcare and Senior-Care Risk?
Amwins Program Underwriters’ Long-Term Care Facilities program offers comprehensive liability coverage nationally in exclusive partnership with an A XIII-rated carrier. It targets skilled-nursing, assisted-living, independent-living, and CCRC operations with minimum-bed requirements and can provide primary limits (commonly up to 1M/3M) plus excess layers. The program requires supplemental applications, five years of loss runs, and detailed facility and financial information.
Amwins Specialty Casualty Solutions’ Long-Term Care Facilities Risk Retention Group provides professional and general-liability coverage for LTC facilities, with options for employee-benefits liability, medical payments, crisis-management services, evacuation-expense reimbursement, and patient-property coverage. It is available in all 50 states and supports self-insured retentions and corridor deductibles, with minimum-premium thresholds.
Why Senior-Care Ecosystems Need AmWINS
Senior-care ecosystems rely on AmWINS when:
- They need a dedicated LTC facilities program with tailored primary and excess structures.
- They want an RRG option to share risk and stabilize coverage.
- They must navigate a fragmented liability market with changing appetites and capacity.
That makes standardized incident, exposure, and claims data critical for program underwriting, RRG governance, and long-term capacity.
Case Study
A multi-state senior-care operator uses Amwins Program Underwriters for primary LTC liability and participates in the Amwins Specialty Casualty Long-Term Care Facilities RRG for selected locations. AmWINS and its carriers request five-year loss runs, facility-level exposure data (bed counts, acuity, staffing, services), and financials. Each facility tracks incidents differently, so producing consistent submissions is time-consuming and makes it harder for underwriters to see improvement.
The operator implements Caring Data across all facilities, standardizing incident categories (falls, pressure injuries, abuse, elopement), severity levels, and outcomes. AmWINS uses the unified datasets to differentiate higher-performing locations, refine pricing and retentions, and support continued admitted and RRG capacity, while the operator gains clearer insight into risk drivers across its portfolio.
Testimonials
“Our AmWINS underwriter told us the standardized data from Caring Data made our long-term-care submissions much more compelling.”
“We now see how consistent incident reporting supports both our primary program and our RRG participation with AmWINS.”
Key Contact
AmWINS (Program / MGA)
Role: program administrator and specialty intermediary offering long-term-care facilities programs and RRG solutions for senior-care facilities.
Website:
https://www.amwins.com
Address (listing):
1221 Broadway, Suite 1000, Nashville, TN 37203
Phones (listing): (312) 601-9254; 1-704-749-2700
Email (listing): tim.walter@amwins.com
Contact (listing): Tim Walter
Final Thoughts
Senior-care ecosystems benefit when specialty distributors like AmWINS create LTC-specific programs and RRGs that are data-driven and tailored to facility risk. Caring Data strengthens these solutions by providing comprehensive incident and claims information that supports sustainable pricing and capacity.
Arch Insurance – Healthcare Liability – United States